CN1963854A - Method for shortening exchanging time of electron money - Google Patents

Abstract

This invention provides one method to contract electron currency consumption trade time, which comprises the following steps: dividing the consumption process into pre-consumption order and payoff order; after initiating consumption, first computing first message identification codes to execute one pre-consumption order; the order feeds back trade identification codes and second message identification codes and to put to payoff position; the payoff order fulfills the operations of user card pay and updating record according to label bit.

Description

A kind of shortening contract electron currency consumption trade time method

Technical field

The present invention relates to a kind of consumer sale time method that can effectively shorten, belong to the e-finance technical field based on the electronic money of smart card and so on carrier.

Background technology

Along with generally carrying out of ecommerce, traditional financial payment mode more and more can not meet the demands, and under this background, stored value card becomes countries in the world and carries out hot issue in the e-commerce initiative.It is considered to realize a kind of important tool of global electronic transaction and the Internet transaction.

Stored value card is by smart card (IC-card) development, be a kind of smart card that the storage amount of money arranged or perhaps in the smart card of electronic money is housed.It can replace cash as electronic money, can consume on point of sales system (POS) device of correct assembling, also can carry out online consumption and consumption online.At present, the existing how tame financial institution of China has carried out the stored value card business based on smart card." China's finance integrated circuit (IC) calliper model " (the abbreviating PBOC as) of People's Bank of China's revision issue provides basic working specification for utilizing smart card to carry out financial business such as stored value card, electronic bankbook.

Consumption flow process based on the PBOC standard comprises 4 key elements: 1. subscriber card authentication PSAM (consumption safety access module) blocks 2.PSAM card authenticated card; 3. successfully withhold and upgrade the transaction details record; 4. calculate and return correct TAC and MAC2.

With the electronic charging system without parking (ETC) widelyd popularize is example, and whole charging process is referring to shown in Figure 1.Wherein, " time period I " is that vehicle-mounted OBU enters the RSU area of charge, the mutual interactive authentication of OBU and RSU, is uploaded to the RSU data, and OBU selects the preliminary work before some consumption such as the application directory of subscriber card, PSAM card simultaneously.Because execution time of these instructions is all shorter, so this part less demanding to the time." time period II " is that the data that RSU uploads according to OBU are judged the amount of money of being detained and passed to OBU (back about 50ms in entering the RSU zone), OBU carries out the flow process of consumption, comprises 3 parts: subscriber card consumption initialization (the true amount of money of needs), PSAM calculate MAC1, subscriber card consumption.Wherein the subscriber card consumption order execution time is very long.Time period II is required in some cases very short." time period III and after time " stage need be handled following thing: OBU and is uploaded to RSU data (as TAC etc.), to the consumption Qualify Phase of subscriber card and follow-up work (such as writing content such as some records).Must need time about about 20ms because OBU is uploaded to RSU in " time period III and after time ", this is must assurance.After OBU passed to the RSU data, other operation can be proceeded.So not free restriction concerning card during this period of time.

Consumption treatment scheme referring to shown in Figure 2 mainly may further comprise the steps:

1. subscriber card consumption initialization

Main effect: card production process key SK.Outside former remaining sum, offline transaction sequence number, the limit of overdrawn account, key version number, algorithm sign, 4 byte pseudo random number card feeds.The process key SK is to use the consumption key of oneself that random number encryption is obtained.

Subscriber card disperses to obtain the process key SK to the random number that oneself produces generally speaking; Outside former remaining sum, offline transaction sequence number, the limit of overdrawn account, key version number, algorithm sign, 4 byte pseudo random number card feeds.

2.PSAM calorimeter is calculated MAC1

Main effect: the PSAM card uses corresponding consumption master key to disperse to obtain consumer sub-cipher key to using sequence number according to the key version number of appointment.Produce with subscriber card and consume identical process key SK in the initialization procedure, and calculate generation MAC1.

Because the difference of SK and exchange hour; So each MAC1 is inequality.

3. subscriber card consumption

Main effect: IC-card is verified the correctness (subscriber card authentication PSAM card) of MAC1 with the process key SK.If the verification passes, then will be from the amount of money of remaining sum deduction consumption; Successfully withhold and card offline transaction sequence number will be added 1, upgrade the transaction details record.With SK to corresponding data calculate 4 byte MAC, 2 usefulness internal keys about the result of each 8 byte XOR corresponding data is calculated the TAC of 4 bytes.Give terminal (calculating and return correct TAC and MAC2) with MAC2 and the loopback of TAC sign indicating number.

The PBOC standard is followed in the calculating of TAC (transaction authentication sign indicating number), and the amount of money that wherein relates to calculates by actual value.

Subscriber card is verified the correctness of MAC1 with the process key SK.If the verification passes, then will be from the amount of money of remaining sum deduction consumption; Card offline transaction sequence number is added 1; Upgrade transaction record.

With SK corresponding data is calculated 4 byte MAC 2; Corresponding data is calculated the TAC sign indicating number of 4 bytes with the result of each 8 byte XOR about internal key.

PSAM card verification MAC2 has embodied with PSAM card authenticated card, and change transaction sequence number.

Need the erasable number of times of chip often in this process, for general chip, the whole consumption order execution time is generally all wanted about 65～80ms (do not comprise the consumption initialization, calculate the call duration time of MAC1 and OBU and card).This time requirement is fully enough to common financial business, but for some special application scenarios, the time just seems obviously long.

With above-mentioned ETC system is example, and European standard is mostly adopted in present design, allows vehicle to pass through at a relatively high speed, by distance certain limitation is arranged also.Generally speaking, finish in the whole process of exchange and RSU (Road-Side Unit, roadside unit) the relevant time is 120 milliseconds (ms), operation such as wherein preceding 40～50ms is used for OBU (board units) and the RSU zone authenticates mutually, OBU and card authenticate mutually; Middle 40～50ms leaves card for and does consumption; Last 20ms is used for OBU and is uploaded to RSU related data (as TAC) etc.Because general OBU leaves the whole consumption time of card for and is approximately 50ms, the consumption flow process of existing P BOC finance norms defined can not reach requirement far away.In addition, for the security that guarantees to conclude the business, also must security be authenticated by special flow process.This just need be optimized present E-consumer flow process, to reach the requirement of quick consumption.

Summary of the invention

The object of the present invention is to provide and a kind ofly can effectively shorten the contract electron currency consumption trade time method, this method provides the new technological process of consumption such as stored value card in suitable smart card and so on the carrier, electronic bankbook, can when guaranteeing security, significantly shorten the time that exchange needs.

For realizing above-mentioned goal of the invention, the present invention adopts following technical scheme:

A kind of shortening contract electron currency consumption trade time method is characterized in that:

To consume flow process is divided into pre-consumption order and withholds the execution of instruction two parts;

Wherein, after finishing the consumption initialization, at first calculate the first message authentication code, carry out pre-consumption order;

Described pre-consumption order is after want seeking time internal return is backcrossed the easy authentication code and the second message authentication code, to the marker bit set of withholing;

Whether the described instruction of withholing is set to finish according to marker bit and comprises that subscriber card withholds, upgrades the operation of transaction record.

Wherein more preferably, when carrying out pre-consumption order, the information that comprises transaction authentication sign indicating number, the second message authentication code, transaction details, remaining sum, status information that generates concentrated be assembled into a data block, in the wallet buffer zone that defines among the one-time write EEPROM.

The described instruction of withholing can be chosen wantonly in the consumption flow performing or in the time period after finishing and carry out.

Describedly withhold instruction when carrying out, at first carry out and read corresponding data in the wallet buffer zone and store treatment scheme in the card of relevant position into, return the corresponding state sign indicating number according to the result of treatment scheme in the card;

Carried out select File/catalogue instruction before the consumption initialization before, at first treatment scheme in the execute card is finished and is withholdd, and does select File/catalogue again.

When carrying out the consumption initialization directive, at first treatment scheme in the execute card is finished and is withholdd, and does the consumption initialization operation again.

The treatment scheme of treatment scheme is in the described card:

(1) whether the judgement symbol position is set, and expression need write buffer contents wallet and corresponding document if be set then, if be not set, then expression does not need to write, and directly returns;

(2) read the interior corresponding data of wallet buffer zone;

(3) from corresponding data, get data such as transaction details, remaining sum, on-line transaction sequence number, offline transaction sequence number, transaction authentication sign indicating number and the second message authentication code respectively and deposit corresponding place in;

(4) set of TAC zone bit will be got among the EEPROM;

Described contract electron currency consumption trade includes but not limited to stored value card or electronic bankbook transaction.

The invention provides the brand-new transaction flow that two interfaces or carriers such as pure contactless CPU card or contact CPU card carry out electronic money consumption.The flow process of utilizing this method to provide both can guarantee the security in the electronic money process of consumption, can realize again than transactions velocity faster.

Description of drawings

The present invention is further illustrated below in conjunction with the drawings and specific embodiments.

Fig. 1 is the synoptic diagram of the PBOC Secure Transaction flow process of standard.

Fig. 2 is in the PBOC consumer sale flow process of standard, subscriber card, terminal, the tripartite mutual synoptic diagram of PSAM card.

Fig. 3 is the synoptic diagram of new Secure Transaction flow process provided by the present invention.

Fig. 4 is in the new consumer sale flow process, subscriber card, terminal, the tripartite mutual synoptic diagram of PSAM card.

Embodiment

It is shorter that method provided by the present invention is primarily aimed at the exchange hour requirement, also wants card to return the situation of essential transaction authentication sign indicating number (TAC) of PBOC standard and MAC (Message AuthenticationCode, message authentication code) 2 and design.Utilize transaction flow provided by the present invention, can effectively shorten the similar substrates consumption order times such as double-interface smart card or pure contactless smart card or contact CPU card, be particularly useful for OBU (On-Board-Unit) scheme of highway toll collection system etc.

Below in conjunction with shown in Figure 3, be that example is launched detailed explanation with the OBU scheme of highway toll collection system.

Before address, the key that shortens the smart card exchange hour just is to make " time period II " to satisfy the time requirement of ETC system.Require short as far as possible reason can be summed up as following 4 points to " time period II ":

(1) because the distance that RSU supports is limited, whole exchange hour must be finished in 120ms.

(2) OBU obtain time (in entering the RSU zone about 50ms back) of the amount of money can not be oversize;

(3) time of subscriber card execution consumption order is very long.Because power problems, the general actual noncontact maximum clock that uses of chip is 6.68MHz.In addition, (15MHz) actual recording write one page EEPROM and needed 4ms on the contact card.Convert according to clock frequency, write EEPROM about 6ms consuming time on the non-contact card, it is infeasible therefore coming the shortening time by the modification clock.

(4) must guarantee that OBU is uploaded to the time about the required about 20ms of RSU in " time period III reaches the time later on ".

In above-mentioned 4 reasons, the present invention is primarily aimed at thirdly carrying out the work wherein, so that effectively shorten the execution time of consumption order.For this reason, in the present invention, the consumption flow process that former PBOC standard is provided is divided into 2 parts: the instruction of consuming in advance and withhold.Be consumed in the seeking time internal return of wanting in advance and return the result (TAC and MAC2) that PBOC requires, the marker bit set to withholing then.This had both guaranteed the time, had guaranteed the result again.Whether the instruction of withholing is set and finishes subscriber card and withhold, upgrade needs such as transaction record and repeatedly write time-consuming contents such as EEPROM according to being labeled the position, and this has guaranteed that the actual amount of money is also deducted, and transaction record is updated.In addition, the present invention has also increased the modification to " select File/catalogue " instruction in the PBOC standard and " consumption initialization " instruction, increase to judge the whether detection of set of marker bit, with finishing of guaranteeing to withhold, thereby has effectively shortened consumption time.

Particularly, when pre-consumption order, with the TAC that generates, MAC2, transaction details, remaining sum, information such as status information are assembled into a data block I, in the stored value card buffer zone that defines among the one-time write EEPROM (Erasable Programmable Read Only Memory EPROM).Return TAC and MAC2 then.Because pre-consumption order is to all packing data and concentrate certain position of writing chip; so the erasable number of times of chip is reduced to 2 times (1 band protection write with 1 time be not with protection to write) by original 8 times (3 times be not with protection to write with 5 band protections write), thereby effectively shortened instruction time.By pre-consumption order, generated desired TAC of consumption result and MAC2, and withholdd, upgraded transaction record for subscriber card and prepare (content is all in data block I the inside).

The inside detailed process flow process of pre-consumption order is as follows:

(1) calculate MAC1, with the MAC1 contrast that receives, mistake returns 6982;

(2) calculate MAC2;

(3) calculate TAC;

(4) FF to PBOCKEYTTI (last time type of transaction) that writes a byte locates, and guarantees that the outage inadvisable transaction in back proves;

(5) essential data that will be relevant with consumption (comprising totally 51 bytes such as TAC, MAC2, transaction details, remaining sum, on-line transaction sequence number, offline transaction sequence number, DF information, EF information, interim start information, interim DF start information, type of transaction, proof test value, zone bit) are formed a data block I, and the band protection is unified to be write in the wallet buffer zone that defines among the EEPROM;

(6) return TAC+MAC2.

Table 1 is the command message example in the pre-consumption order

Code	Length (byte)	Value (HEX)	Describe
				CLA	1	80	-
INS	1	54	-
				P1	1	05	Pre-consumption
P2	1	00	-
				Lc	1	0F	-
DATA	15	XX...XX	The command message data field of face as follows
				Le	1	08	-

Table 1

Table 1 is a consumption/enchashment command message data field example, and it comprises following data element:

Explanation	Length (byte)
		The terminal transaction sequence number	4
Trade date (terminal)	4
		Exchange hour (terminal)	3
MAC1	4

Table 2

The computing method of MAC1 are followed the regulation of PBOC standard.Press the MAC computing method by SK his-and-hers watches 3 data and generate MAC1.

Data	Length (byte)
		Dealing money	4
Type of transaction sign (the EP/ED circle deposits, enclose carry, consumption etc.)	1
		The terminating machine numbering	6
The terminal transaction date	4
		The terminal transaction time	3

Table 3

Because the difference of SK and exchange hour; So each MAC1 is also inequality.The response message data field of pre-consumption command execution success is as shown in table 4:

Explanation	Length (byte)
		Transaction verification sign indicating number TAC	4
MAC2	4

Table 4

The calculating of TAC is with the regulation of PBOC standard, and the amount of money that wherein relates to calculates by actual value.The PBOC standard is also pressed in the calculating of MAC2.

After pre-consumption order disposed, card continued to carry out the stored value card instruction of withholing.This section period and former consumption order time phase difference are few, but the execution of the instruction of withholing can be placed on time period III, because require not strict to this section in time requirement.The result who withholds after the instruction realizes subscriber card withholing truly according to data block I, and upgrades transaction record.

The inside detailed process flow process of instruction of withholing is such: at first carry out and read corresponding data in the wallet buffer zone and store treatment scheme in the card of relevant position into, return corresponding status code according to the result of treatment scheme in the card.

The concrete steps of treatment scheme are in the card:

(1) whether the judgement symbol position is set, and expression need write buffer contents wallet and corresponding document if be set then.If be not set, then expression does not need to write, and directly returns;

(2) read the interior corresponding data of wallet buffer zone;

(3) from corresponding data, get data such as transaction details, remaining sum, on-line transaction sequence number, offline transaction sequence number, transaction authentication sign indicating number and the second message authentication code respectively and deposit corresponding place in;

(4) set of TAC zone bit will be got among the EEPROM;

Get the TAC zone bit and be used for showing the TAC sign indicating number that whether allows from card, to get this time transaction.When set, allow to get the TAC sign indicating number of this time transaction, during set, then do not allow.

Withhold the instruction the command message example as shown in table 5.

Code	Length (byte)	Value (HEX)	Describe
				CLA	1	80	-
INS	1	54	-
				P1	1	06	The instruction of withholing
P2	1	00	-
				Lc	1	00	-

Table 5

The consumption flow process that realizes by the pre-consumption and the instruction of withholing as shown in Figure 4.

In the present invention, also taked some special fault recovering mechanism,, thereby guaranteed the integrality of transaction even still can finish debit facility in case when writing wallet, cut off the power supply.Particularly, pre-consumption order is finished to marker bit set; The instruction of withholing at first judges whether set, will remove marker bit again after all data playback.Also be at first whether set of certification mark position when carrying out select File/catalogue instruction and consumption initialization directive, if set at first in the execute card treatment scheme finish and withhold; Just carry out original select File/catalogue instruction and consumption initialization directive then.The correctness of TAC is transferred to the RSU real-time verification.

In addition, treatment scheme in the execute card all in the instruction of select File/catalogue, consumption initialization directive, finish withhold after, do corresponding selection or consumption initialization operation again.

Based on above-mentioned fault recovering mechanism,, carry out following processing respectively for several situations about may make mistakes (being not limited to cited situation):

(1) in the pre-consumption order, cut off the power supply before writing FF to PBOCKEYTTI: in such cases, TAC and MAC2 can not return.Do not have any data yet and write among the EEPROM, transaction is not carried out.

(2) in the pre-consumption order, write FF to PBOCKEYTTI after, data packets is cut off the power supply to the wallet buffer zone: in such cases, TAC and MAC2 can not return.Do not have any data yet and write among the EEPROM, transaction is not carried out.

(3) in the pre-consumption order, data packets is cut off the power supply to the wallet buffer zone: in such cases, TAC and MAC2 can not return.Because packet does not write correctly, proof test value and marker bit all can mistakes.So be equivalent to not success of transaction.

(4) in the pre-consumption order, the data packets success, cut off the power supply when returning TAC and MAC2: in this case, TAC and MAC2 can not return.Power on next time and should get transaction proof (TAC) earlier, this moment, wallet and log file can be rewritten simultaneously.Guaranteed the integrality of consumption.

(5) after pre-consumption order was finished, stored value card is withholdd and cut off the power supply before instruction is carried out: in such cases, TAC and MAC2 returned, and must finish withholing of wallet.When next time, consumption powered on, must carry out select File/catalogue instruction.Can finish earlier withholdd last time just can carry out transaction.

Outage when (6) stored value card is withholdd instruction: in such cases, all be that the band protection is write owing to write, data can be recovered.Zone bit does not change simultaneously.When next time, consumption powered on, carry out select File/catalogue instruction, still can finish last time earlier and withhold.

(7) extreme case: if select File/catalogue instruction is not carried out always.When the consumption initialization, still will write wallet to the data of consumption last time so.The integrality that assurance is withholdd and operated.

Used after the new consumption flow process, for pre-consumption order: write a byte FF to PBOCKEYTTI (about 6MS), band protection data packets is to wallet buffer zone (about 12MS), and this has just effectively shortened the time, can satisfy the requirement of concluding the business at a high speed.

For the stored value card instruction of withholing: a byte FF to PBOCKEYTTI (about 12MS) is write in the band protection; 23 byte transaction details (about 12MS) are write in the band protection; write 8 byte TAC and MAC2 (about 6MS); write 8 byte remaining sums and off line sequence number and online sequence number (about 6MS); a byte proof test value (about 12MS) is write in the band protection, and 2 times (about 25MS) write the circular file pointer in the band protection.Although long during this period of time, this is (time period III upward requires not harsh to the time) that can finish in the 3rd time period.

This shows that new transaction flow can effectively shorten the consumption order time of double-interface smart card or pure contactless smart card etc., applicable to such as OBU scheme of highway toll collection system etc.The OBU scheme is owing to want seeking time short, and the speed of the smart card at general two interfaces of adopting or pure noncontact interface is 106Kbps.From now in order to improve communication speed, can also further card speed be adjusted into 106Kbps, 212Kbps, 424Kbps, 847Kbps are optional.

More than shortening contract electron currency consumption trade time method of the present invention is had been described in detail.For one of ordinary skill in the art, any conspicuous change of under the prerequisite that does not deviate from connotation of the present invention it being done all will constitute to infringement of patent right of the present invention, with corresponding legal responsibilities.

Claims (8)

1. one kind is shortened the contract electron currency consumption trade time method, it is characterized in that:

To consume flow process is divided into pre-consumption order and withholds the execution of instruction two parts;

Wherein, after finishing the consumption initialization, at first calculate the first message authentication code, carry out described pre-consumption order;

Described pre-consumption order is after want seeking time internal return is backcrossed the easy authentication code and the second message authentication code, to the marker bit set of withholing;

Whether the described instruction of withholing is set according to marker bit, finishes to comprise that subscriber card withholds, upgrades the operation of transaction record.

2. shortening contract electron currency consumption trade time method as claimed in claim 1 is characterized in that:

When carrying out pre-consumption order, the information that comprises transaction authentication sign indicating number, the second message authentication code, transaction details, remaining sum, status information that generates concentrated be assembled into a data block, in the wallet buffer zone that defines among the one-time write EEPROM.

3. shortening contract electron currency consumption trade time method as claimed in claim 1 is characterized in that:

The described instruction of withholing can be chosen wantonly in the consumption flow performing or in the time period after finishing and carry out.

4. shortening contract electron currency consumption trade time method as claimed in claim 3 is characterized in that:

Describedly withhold instruction when carrying out, at first carry out and read corresponding data in the wallet buffer zone and store treatment scheme in the card of relevant position into, return the corresponding state sign indicating number according to the result of treatment scheme in the card.

5. shortening contract electron currency consumption trade time method as claimed in claim 1 is characterized in that:

Before execution select File before the consumption initialization/catalogue instruction, at first the interior treatment scheme of execute card is finished and is withholdd, and does select File/directory operation again.

6. shortening contract electron currency consumption trade time method as claimed in claim 1 is characterized in that:

When carrying out the consumption initialization directive, at first the interior treatment scheme of execute card is finished and is withholdd, and does the consumption initialization operation again.

7. as any described shortening contract electron currency consumption trade time method in the claim 4～6, it is characterized in that:

The treatment scheme of treatment scheme is in the described card:

(1) whether the judgement symbol position is set, and expression need write buffer contents wallet and corresponding document if be set then, if be not set, then expression does not need to write, and directly returns;

(2) read the interior corresponding data of wallet buffer zone;

(3) from corresponding data, get data such as transaction details, remaining sum, on-line transaction sequence number, offline transaction sequence number, transaction authentication sign indicating number and the second message authentication code respectively and deposit corresponding place in;

(4) set of TAC zone bit will be got among the EEPROM.

8. shortening contract electron currency consumption trade time method as claimed in claim 1 is characterized in that:

Described contract electron currency consumption trade includes but not limited to stored value card or electronic bankbook transaction.

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